camino federal credit union online access agreement and disclosure statement · 2017-05-16 ·...

Camino Federal Credit Union Online Access Agreement and Disclosure Statement This agreement states the terms and conditions that apply when you open qualifying account(s) on the Internet, Internet-enable qualifying account(s), access account information over the Internet, or transfer funds between qualifying Internet-enabled accounts. These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must also follow all of our instructions and procedures applicable to the services covered by this agreement.

Explanation of Certain Terms “We”, “us” and “our” means Camino Federal Credit Union “You” and “your” mean an individual person or business entity that we permit to use the Internet banking services subject to the terms of this agreement. “Internet-enable” your account(s) means to enable you to obtain our service that allows you to obtain information and perform transactions we make available for your qualifying accounts over the Internet by use of a personal computer and modem and/or other means we authorize or allow. “Online banking” means the services provided under this agreement which allow you to access information about your Internet-enabled accounts, transfer funds between qualifying accounts, and perform other transactions and obtain other services that we authorize or allow, but does not include our bill pay service. Bill pay disclosures are accessible when you enroll for this service. “Online” means through the Internet by use of a personal computer or other screen-based electronic device. “Account” means a deposit, loan or other account for which transactions may be performed using our Online Banking service. "Consumer account” means an account established primarily for personal, family, or household use. “Business account” means an account that is not a consumer account. “Access codes” include the member identification number, log-in, password and any other means of access to our Online Banking service we establish or provide for you.

Access Codes To use our Online Banking service, you must use the access codes we established or provided for you. Keep them confidential to prevent unauthorized use or loss to your accounts. Anyone to whom you give your access codes will have full access to your accounts even if you attempt to limit that person’s authority. Additionally, that person will have full access to any other of

your accounts which are accessed by those access codes, even if those accounts are in your name with another person. None of our employees or employees of our affiliates will contact you via phone or e-mail requesting your access codes. If you are contacted by anyone requesting this information, please contact us immediately at our phone number shown in the section below entitled Notify us IMMEDIATELY for Unauthorized Transactions.

Protecting Your Personal Information In addition to protecting your access codes, you should also take precautions to protect your personal identification information, such as your driver’s license, Social Security number, or tax identification number. This information by itself or together with account information may allow unauthorized access to your accounts. You should treat personal information with the same level of care that you would for your account information. You should also protect and secure all information and data stored in any personal computer or other equipment you use to access our Online Banking service.

Individual Agreement for Online Banking Service We do not have joint agreements for our Online Banking service. If you are an individual or sole proprietor, you are the only member under this agreement. However, any of the accounts to which you have access through our Online Banking service may be jointly owned with, or joint obligations with, others.

Qualifying Accounts We will tell you which types of accounts qualify for our Online Banking service. You must be a named owner/obligor on the account in our records for it to qualify. Any account requiring more than one signature for withdrawal, draw or transfer of funds does not qualify. You agree to provide us with any authority we require before we permit access to any qualifying account.

How to Use Our Online Banking Service Please refer to the online help and instructions on how to use our Online Banking service. These instructions are part of this agreement.

Types of Online Banking Services You, or someone you have authorized by giving them your access code (even if that person exceeds your authority), can instruct us to perform the following transactions:

• Transfer funds between qualifying accounts; • Obtain information that we make available about qualifying accounts; and • Obtain other services or perform other transactions that we allow.

Preauthorized Recurring Fund Transfers To the extent we make them available, you authorize us to establish preauthorized recurring fund transfers in accordance with the requests you make for us to do so. We will only allow preauthorized recurring fund transfers that do not vary in amount.

Communications Link and Your Equipment It is your responsibility to obtain and maintain your online communications link to our Online Banking service to ensure that your use of such communications link is in compliance with applicable requirements, including any requirements of telecommunications companies and authorities. You are responsible for obtaining, installing, maintaining and operating all hardware, software and Internet access services necessary for obtaining our Online Banking service.

Limits on Online Funds Transfers You must have enough available money or credit in any account from which you instruct us to make a transfer. All transfers must be in U.S. Dollars. For security reasons, we may implement limits on the number or amount of transactions you can make using our Online Banking service. We also reserve the right to limit or suspend access to our Online Banking service as we deem necessary for security reasons. We may also limit access from countries other than the United States of America. If any qualifying accounts are money market deposit accounts or savings deposit accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for money market deposit accounts is the monthly statement period. The specified period for savings deposit accounts is a calendar month. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement, order or instruction. A total of only 3 of these kinds of withdrawals may be made by check, draft, debit card, or similar order payable to third parties.

When Online Funds Transfers are Made Transfers are not final at the time we receive your instructions, but we will begin to process them promptly. You should allow at least 1 business day for us to process transfers. Each transfer will be posted to any account with us from which it is made, and to any other account with us that is involved in the transaction, on the business day on which the transfer is made. Each transfer you make on a non-business day, or after our Online Banking cut-off time on any business day, will be considered made on the following business day. Information you obtain about your accounts using our Online Banking service may not reflect transactions that have not yet been posted to your accounts. You should keep that in mind when you perform or attempt to perform any transactions on the basis of such information.

Our Liability for Failure to Complete Transfers from Consumer Accounts If we do not complete a transfer from a consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for instance:

• If, through no fault of ours, you do not have enough available money in the account from which a transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a transfer because of insufficient funds.

• If any transfer would go over the credit limit of any account. • If your equipment or ours was not working properly and the breakdown should have

been apparent to you when you attempted to conduct the transaction. • If you have not given us complete, correct or current account numbers or other

identifying information so that we can properly credit your account or otherwise complete the transaction.

• If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.

• If you do not instruct us soon enough for your transfer to be received and credited. • If the money in the account from which a transfer is to be made is subject to legal

process or other claim restricting the transaction. • If circumstances or persons beyond our control prevent, delay, intercept, or alter the

transaction, despite reasonable precautions that we have taken.

Business Days Our Online Banking service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday. Holidays are not business days.

Stopping or Changing Transfers If you want to stop or change transfers you have instructed us to make, you must notify us before we have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions. The normal way to do this is for you to access the appropriate function in our Online Banking service no later than the day before the business day the transfer is scheduled to be made, and either delete it or make the change.

You may also call or write us at:

Member Services (323) 722-3400 Monday – Thursday 9:00 a.m. – 5:00 p.m. Friday 9:00 a.m. – 6:00 p.m. Saturday 9:00 a.m. – 1:00 p.m. Mailing Address: P.O. Box 849 Montebello, CA 90640

or by using any electronic stop payment method which we provide for this purpose. If you call or write, you must do this in time for us to receive your request 3 business days or more before the transfer is scheduled to be made. If you call, we may also require you to put your request in writing on paper and get it to us within 14 days after you call. If you order us to stop a preauthorized recurring transfer from a consumer account as described above, and we do not do so, we will be liable for your losses or damages.

Statements Your funds transfers will be indicated on the monthly statements we provide or make accessible to you for the accounts with us that are involved in the transaction. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement or in any statement information.

Online Banking Fees There is no fee for our Online Banking service.

Disclosure of Information to Others See our separate “Member Privacy Notice” for more information about how we use member information and your choices.

Your Liability for Authorized Transactions You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your access codes and want to terminate that person’s authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your access codes or take additional steps to prevent further access by such person.

Notify us IMMEDIATELY for Unauthorized Transactions Tell us AT ONCE if you believe your access codes have been lost, stolen or otherwise compromised or used without your authorization. Quickly telephoning us is the best way of reducing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit). You may call or write us at: Member Services (323) 722-3400 Monday – Thursday 9:00 a.m. – 5:00 p.m. Friday 9:00 a.m. – 6:00 p.m. Saturday 9:00 a.m. – 1:00 p.m.

Mailing Address: P.O. Box 849 Montebello, CA 90640 If we provide you with another electronic means of notifying us for this specific purpose, you may use that means. However, DO NOT use a general e-mail service or other electronic means that we have not specifically authorized for this purpose.

Your Liability for Unauthorized Transactions From Consumer Accounts This section applies only to transactions from consumer accounts. If you tell us within 2 business days after you learn of the loss or theft of your access codes involving a consumer account, you can lose no more than $50.00 if someone used them without your authority. If you do NOT tell us within 2 business days after you learn of the loss or theft of your access codes, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00. Also, if your statement for a consumer account shows transfers covered by this agreement that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

Transfers Involving Insufficient Funds If you instruct us to make a transfer and you do not have a sufficient balance in the account from which you are making the transfer (including available credit under any overdraft line), we may refuse to complete the transaction. We may do this even if there are sufficient funds in accounts other than the one you were using to make the transfer. If we complete a transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction in the account from which the transfer is made, you agree that we may reverse the transaction or offset the shortage with funds from any other account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any transfers you make or authorize. If we do not make a transfer, or if we reverse a transfer, because of insufficient funds, we are not required to make any further attempt to process the transfer or to notify you that the transfer has not been completed. You may be liable for a non-sufficient funds fee under the terms governing the account from which you made, or attempted to make, the transfer.

In Case of Errors or Questions About Transactions Involving Consumer Accounts This section applies only to transactions covered by this agreement and that involve consumer accounts.

You may call or write us at: Member Services (323) 722-3400 Monday – Thursday 9:00 a.m. – 5:00 p.m. Friday 9:00 a.m. – 6:00 p.m. Saturday 9:00 a.m. – 1:00 p.m. Mailing Address: P.O. Box 849 Montebello, CA 90640 as soon as you can, if you think your statement is wrong or if you need more information about a transfer covered by this agreement which is listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

• Tell us your name and account number (if any). • Describe the error or transfer you are unsure about, and explain as clearly as you can

why you believe it is an error and why you need more information. • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing so that we receive it within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we are not required to provisionally credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to provisionally credit your account for the amount you think is in error. When the investigation is completed, we will make any necessary or appropriate adjustments to your account. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error or the error was different than you described, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Changing Terms and Terminating This Agreement This agreement will stay in effect until it is changed or terminated. We have the right to terminate this agreement at any time. We will ordinarily send you notice of any termination, but we are not required to do so unless applicable law requires such notice. Once we terminate this agreement, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. We may routinely terminate Online Banking service for members that have not used the service within the first 30 days after activation or if the service has been inactive for a year. We also have the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will decide what kind of notice (if any) we will give you and the method of providing any such notice. You may terminate this agreement at any time by notifying us in writing. However any instructions from you to make transfers will continue in effect until we have received your written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further or pending transfers will be made, including but not limited to any transfers scheduled in advance or any preauthorized recurring transfers. You are not permitted to alter or amend this agreement or any related document without our express written consent. Any attempt to do so will be void and unenforceable.

Waivers No delay or omission by us in exercising any rights or remedies under this agreement or applicable law shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise of that right or remedy or the exercise of any other right or remedy. No waiver shall be valid unless in a writing enforceable against us.

Notices and Communications Except as otherwise provided in this agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records or when we make such notices available to you through electronic means. All notices and communications sent by you to us will be effective when we have received them and have had a reasonable time to act on them. You agree to notify us promptly of any change in your mailing address, e-mail address or telephone number.

Recording You agree that we may tape record any telephone conversations you have with us regarding the services covered by this agreement. However, we are not obligated to do so and may choose not to in our sole discretion.

Attorney Fees If we become involved in legal action to defend or enforce this agreement, you agree to pay our reasonable attorney fees and court costs, to the extent not prohibited by law.

Law That Applies Regardless of where you live or work or where you access our Online Banking service, this agreement is subject to the federal law of the United States of America the internal law of the State of California. If any of the terms of this agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.

Signatures You agree to all of the provisions of this agreement (to the extent applicable as provided in this agreement) by any and all of the following means:

Using our Online Banking service to perform any transactions. Physically signing this agreement. Completing a separate electronic consent form to receive disclosures and enter into this

agreement electronically.

Your electronic consent or use of our Online Banking service has the same effect as if you had signed this agreement with your physical signature. Your physical signature, electronic consent, or use of our Online Banking service is also your acknowledgement that you have received a copy of this agreement in paper form, or if you have provided a separate electronic consent, in electronic form. If you are offered or provided an electronic copy of this agreement but would like to have a paper copy, please contact us by calling or writing us at: Member Services (323) 722-3400 Monday – Thursday 9:00 a.m. – 5:00 p.m. Friday 9:00 a.m. – 6:00 p.m. Saturday 9:00 a.m. – 1:00 p.m. Mailing Address: P.O. Box 849 Montebello, CA 90640

Camino Federal Credit Union Electronic Communication Consent This statement requests your consent to permit Camino Federal Credit Union to provide communications and information to you in secure electronic form rather than in paper form for your selected accounts. Before you decide whether or not you wish to give your consent to receiving electronic notices and records, you should read and consider the following information. Then, if you decide to consent, you can click the I Agree button at the bottom of this statement. All that you need is access to a computer with internet access, access to your online banking account, a valid email address, and a printer. By clicking “I Agree” at the bottom of this page, you consent to receiving statements solely through Online Banking. Within two statement cycles, you will cease receiving paper statements through the mail for all accounts on which you are listed as the primary member/account holder. Upon receipt of your consent, we will notify you at your registered e-mail address each time we prepare a statement for an account that you have selected. We will send you an email letting you know that the eStatement is available online. You will be required to enter your User ID and password to view the electronic statement. You agree it is your sole responsibility to protect your password from unauthorized persons. You agree that it is your responsibility to ensure that the electronic statements cannot be intercepted or viewed by others. You agree that Camino Federal Credit Union has no control as to the persons who have access to your personal computer and your password once it is in your possession. Camino Federal Credit Union will not be liable for any authorized access to your personal computer or your passwords. You understand that you have no expectation of privacy if you transfer any statement via email to another person or entity using the World Wide Web. You further agree to release Camino Federal Credit Union from any liability if the information is intercepted or viewed by unauthorized parties at your employer or any other email address you have provided. By accepting the terms of this agreement, you hereby authorize Camino Federal Credit Union to provide notification of periodic account statements and other periodic or special notices to you by electronic mail. Other periodic or special notices may include privacy notices or any other notice that federal laws and regulations from time to time may require us to provide to you. Your authorization means that we can provide you with periodic statements of your account and special notices electronically. You are responsible for notifying us of any email address changes. You may notify us by email at [email protected] or by calling (323) 722-3400 during regular business hours. You may also visit any of our locations and speak with one of our Member Advocates for assistance. If you fail to notify us of a change to your email address, then Camino Federal Credit Union will not be held liable or have any obligations to you or any joint owner(s) of your account(s).There is no fee to request a paper copy of a regulatory notice or a copy of the changes of fees or terms on your account. If you wish to have a paper copy of a statement or check, normal research fees will apply.

Your eStatement will be dated the day you are notified by email (the e-mail date). You must promptly review your e Statement and any accompanying items and notify us in writing at Camino Federal Credit Union, P.O. Box 849, Montebello, CA 90640, via telephone at (323)722-3400 during regular business hours, or in person at any of our locations (within the applicable time periods specified in your deposit agreement) of any error, unauthorized signature, lack of signature, alteration or other irregularity. Any applicable time periods within which you must notify us of any errors on your account statement(s) shall begin on the e-mail date regardless of when you receive and/or open the statement. If you believe your eStatement is lost or that someone has obtained access to your eStatement without your permission, write to us at Camino Federal Credit Union, P.O. Box 849, Montebello, CA 90640. You may also contact one of our Member Advocates in person at any branch location or call (323) 722-3400 during regular business hours. You have the right to withdraw your consent to receive electronic periodic statements at any time. To withdraw your consent to receive electronic statements, you must notify us via email at [email protected], through our electronic banking services at www.caminofcu.org, or in writing to Camino Federal Credit Union, P.O. Box 849, Montebello, CA 90640. You may also contact one of our Member Advocates, in person at any branch location or call (323) 722-3400 during regular business hours. Once the withdrawal of your consent has been received and processed, you will no longer receive eStatements. All electronic statements shall be in full compliance with applicable laws and regulations. The provisions in this agreement are part of (and in supplement to) Camino Federal Credit Union’s Truth in Savings Disclosures and Agreements and are subject to all the provisions in the Truth in Savings Disclosures and Agreements. Each Camino Federal Credit Union account that you designate to be included within the eStatement service and eStatements program is also governed by the terms and conditions otherwise applicable to that kind of account as separately disclosed to you, either in the Truth in Savings Disclosures and Agreements, applications and enrollment forms, the applicable personal or business fee schedules, credit or deposit agreements, our Privacy Policy or other written disclosures. I have read and agree to the terms of the Email Statement Disclosure and I would like to receive eStatement delivery. I understand that for the accounts listed above I will no longer receive a periodic statement sent by U.S. Mail. I further understand that it make take up to two statement cycles for the paper statements to cease.

Camino Federal Credit Union MOBILE DEPOSIT - CAPTURE SERVICES DISCLOSURE AND AGREEMENT

In this Disclosure and Agreement, the words “I,” “me,” “my,” “us” and “our” mean, the member that applied for and/or uses any of the Mobile Deposit - Capture Services (the “Services”) described in this Disclosure and Agreement. The words “you,” “your,” and “yours” mean Camino Federal Credit Union. Other agreements you have entered into with the Credit Union, including Membership Agreements and Disclosures, as amended from time to time, are incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement or the Account Agreement, this Disclosure and Agreement will control.

Use of the Services. Following my acceptance of this agreement, I am authorized by you to remotely deposit paper checks through the Mobile Deposit application. I can remotely deposit checks I receive to my account with you (the “Account”) by electronically transmitting a digital image of the paper checks to you for deposit. My use of the Services constitutes my acceptance of the terms and conditions of this Disclosure and Agreement. I agree to comply with the hardware and software requirements set forth by Camino Federal Credit Union (Camino Federal Credit Union iOS 7.0 and Android Application version 4.0 or higher). Upon receipt of the digital image, you will review the image for acceptability. I understand and agree that receipt of an image does not occur until after you notify me of receipt of the image via onscreen messaging. I understand that, in the event an image is received, this does not mean that the image contains no errors. I understand that I am responsible for any information I transmit to you. You are not responsible for any image that you do not receive. Following receipt of the image, you may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, you reserve the right, within your sole and absolute discretion, to accept or reject any item for remote deposit into my Account. I understand that any amount credited to my Account for items deposited using the Services is a provisional credit and I agree to indemnify you against any loss you suffer because of your acceptance of the remotely deposited check. In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, (ii) copy or reproduce all or any part of the technology or Service; or (iii) interfere, or attempt to interfere, with the technology or Service.

Compliance with Law. I agree to use the products and Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold you harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm

arising out of any violation thereof. This indemnity will survive termination of my Account and this Agreement.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will endorse the back of the original check. My endorsement will include the account number to which I am making the deposit, including the share ID and the words FOR MOBILE DEPOSIT. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is pre-printed on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association.

Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to your Account due to an item being returned.

Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account.

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at Camino Federal Credit Union, PO Box 849, Montebello, CA 90640. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you.

Business Days. Our business days are Monday through Friday, excluding federal holidays.

Camino Federal Credit Union Contact Information: Telephone: (323) 722–3400 Hours: 9:00 am – 5:00 pm Monday –Thurs; 9:00 am – 6:00 pm Friday and 9:00 am – 2:00 pm Saturday Mailing Address: P.O. Box 849, Montebello, CA 90640 Email address: [email protected]

Funds Availability. I agree that items transmitted using this service are not subject to the funds availability requirements of the Federal Reserve Board Regulation CC. Funds deposited using the Services will be available after Camino Federal Credit Union receives payment for the funds deposited. Camino, in its sole discretion, may make such funds available sooner based on such factors as the length and extent of your relationship with Camino, transaction and experience information, and such other facts as Camino deems relevant. Arrowhead, in its sole discretion, may modify funds availability as it deems relevant.

Special Endorsement Standards. The Federal Law regarding funds availability requires the Financial Institution’s endorsement area on the back of a check be kept clear or unobstructed. This rule is designed to prevent unnecessary delays in processing your deposits as well as to promote speedier returns of dishonored checks. Only the 1-1/2 inch space from the “trailing edge” (the left edge of the check when it is facing you) can be used by you for endorsements or any other markings. We will not be responsible for any damages incurred in the event you deposit an item that is subsequently returned unpaid by the paying bank and that return is “late” due to markings on the check caused by you or a prior endorser on the back of the check. In the event that you draw a check on your Checking or Loan Account with us, you are responsible for any delay or misrouting of the check caused by markings placed on the check by you that obscure any depository endorsements placed by us or our agent and you agree to hold the Credit Union harmless and indemnify us from any liability due to such delay or misrouting.

Internal Controls and Audit. Mobile Deposit limits may change at any time without prior notification. Camino Federal Credit Union reserves the right to revoke this service, reject or adjust any deposits upon submission of the imaged items.

Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services: 1) Each image of a check transmitted to you is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.

2) The amount, the payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate. 3) I will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid. 4) Other than the digital image of an original check that I remotely deposit through your Services, there are no other duplicate images of the original check. 5) I have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check. 6) I am authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item. 7) I have not knowingly failed to communicate any material information to you. 8) I have possession of each original check deposited using the Services and no party will submit the original check for payment. 9) Files and images transmitted to you will contain no viruses or any other disabling features that may have an adverse impact on your network, data, or related systems.

Storage of Original Checks. I must securely store each original check that I deposit using the Services for a period of 7 days after transmission to you. After such period expires, I will destroy the original check. I understand and agree that I am responsible for any loss caused by my failure to secure the original checks.

Securing Images on Mobile Devices. When using Mobile Deposit, I understand that check images captured using my mobile device are stored on the device only until the associated deposit has been successfully submitted. I agree to promptly complete each deposit. In the event that I am unable to promptly complete my deposit, I agree to ensure that my mobile device remains securely in my possession until the deposit has been completed or to delete the associated images from the application.

Accountholder’s Indemnification Obligation. I understand and agree that I am required to indemnify you and hold you harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from my use of the Services and/or breach of this Disclosure and Agreement. I understand and agree that this paragraph shall survive the termination of this Agreement.

In Case of Errors. In the event that I believe there has been an error with respect to any original check or image thereof transmitted to you for deposit or a breach of this Agreement, I will immediately contact you regarding such error or breach as set forth below. Telephone you at: (323) 722-3400 E-mail you at [email protected].

Limitation of Liability. I understand and agree that you are not responsible for any indirect, consequential, punitive, or special damages or damages attributable to my breach of this Disclosure and Agreement.

Charges for Use of the Services. All charges associated with the Services are disclosed in your Schedule of Fees (http://www.caminofcu.org/custom/fi/caminofcu/fb/disclosure/schedule-of-fees.pdf).

Warranties. I UNDERSTAND THAT CAMINO FEDERAL CREDIT UNION DOES NOT MAKE ANY WARRANTIES ON EQUIPMENT, HARDWARE, SOFTWARE OR INTERNET PROVIDER SERVICE, OR ANY PART OF THEM, EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. CAMINO FEDERAL CREDIT UNION IS NOT RESPONSIBLE FOR ANY LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE INTERNET PROVIDER, ANY RELATED SOFTWARE, OR CAMINO FEDERAL CREDIT UNION’S USE OF ANY OF THEM OR ARISING IN ANY WAY FROM THE INSTALLATION, USE, OR MAINTENANCE OF MY PERSONAL COMPUTER HARDWARE, SOFTWARE, OR OTHER EQUIPMENT.

Change in Terms. You may change the terms and charges for the Services indicated in this Disclosure and Agreement by notifying me of such change in writing and may amend, modify, add to, or delete from this Disclosure and Agreement from time to time. My use of the Services after receipt of notification of any change by you constitutes my acceptance of the change.

Termination of the Services. I may, by written request, terminate the Services provided for in this Disclosure and Agreement. You may terminate my use of the Services at any time without notice. In the event of termination of the Services, I will remain liable for all transactions performed on my Account.

Relationship to Other Disclosures. The information in these Disclosures applies only to the Services described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of the Account.

Governing Law. I understand and agree that this Disclosure and Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the state of California, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. I also agree to submit to the personal jurisdiction of the courts of the state of California.

Periodic Statement. Any mobile deposits made through the Services will be reflected on my monthly account statement. I understand and agree that I am required to notify you of any error relating to images transmitted using the Services by no later than 60 days after I receive the monthly periodic statement that includes any transaction I allege is erroneous. I am responsible for any errors that I fail to bring to your attention within such time period.

Limitations on Frequency and Dollar Amount. I understand and agree that I cannot exceed the limitations on frequency and dollar amounts of remote deposits that are set forth by you.

Unacceptable Deposits. I understand and agree that I am not permitted to deposit the following items using the Services: 1) Any item drawn on my account or my affiliate’s account. 2) Any item that is stamped with a “non-negotiable” watermark. 3) Any item that contains evidence of alteration to the information on the check. 4) Any item issued by a financial institution in a foreign country. 5) Any item that is incomplete. 6) Any item that is “stale dated” or “postdated.” 7) Savings Bonds. 8) Any third party check, item(s) made payable to someone other than myself or other authorized signers on the account. 9) Any item with a restrictive endorsement.

Confidentiality. I acknowledge and agree that confidential data relating to your Services, marketing, strategies, business operations and business systems (collectively, “Confidential Information”) may come into my possession in connection with this Disclosure and Agreement. I understand and agree that I am prohibited from disclosing and agree to maintain the confidentiality of your Confidential Information.

Waiver. The failure of either party to seek a redress for violation, or to insist upon the strict performance, of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.

Relationship. This Disclosure and Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.

System Requirements Mobile Deposit Services Requires iOS 7.0 or later or Android 4.0 or later device, For optimal performance we

recommend you use the most up to date operating system for your device. 1) Devices must have photo taking capabilities 2) Download Camino Federal Credit Union App 3) Requirements: PDF Reader

ELECTRONIC SERVICESDISCLOSURE

AND AGREEMENTS

PLEASE KEEP FOR YOUR RECORD

Effective November 1, 2012

THIS DISCLOSURE SUPERSEDES ANY DISCLOSURE WITH AN EFFECTIVEPRIOR TO THE DATE SHOWN ABOVE.

Camino Federal Credit UnionP.O. Box 849, Montebello, CA 90640(800) 835-3400 / (323) 517- 9413 Fax

www.caminofcu.org

© 2012 Camino Federal Credit Union. All rights reserved

ELECTRONIC SERVICESDISCLOSURE AND AGREEMENT

At the present time, Camino Federal Credit Union participates in severaltypes of services that may be accomplished by electronic transfer:pre-authorized deposits of net paycheck; payroll deduction; pre-authorizeddeposit of pension checks and Federal Recurring Payments (for example,Social Security payments); pre-authorized payments (for example, insurancepremiums and mortgage payments); The MasterMoney Debit Card;SmartLine Audio Response Teller; and other Automated Teller Machine("ATM") electronic fund transfer services, transactions at a point of sale(POS) terminal whether or not an access device is used; a check conversionto an EFT transaction such as when you provide a check to a merchant forthe merchant to capture the routing, account and serial numbers to initiatea transfer, whether the check is blank, partially or fully completed andsigned, whether you or the merchant or the Credit Union retains the check.Disclosure information applicable to all electronic services offered byCamino Federal Credit Union is given below, with certain specific disclosureinformation for each service following in separate sections. You understandthat the agreements, rules and regulations applicable to your RegularShare Account, Checking Account, Money Market Account, and any otherapplicable account, remain in full force and effect and continue to beapplicable except as specifically modified by this Disclosure and Agreement.In these disclosures the term “ATM” refers to the ATM/POS Card. The term“MasterMoney Debit Card” refers to the debit card with ATM and POScapability.By requesting, signing or using (or authorizing another person or personsto sign or use) your Card or Personal Identification Number ("PIN"), youagree to use the Card and PIN in accordance with the following terms andconditions.

PLEASE READ AND RETAIN FOR YOUR RECORDS

AUTOMATED TELLER MACHINEELECTRONIC SERVICES

ATM SERVICE: The Camino Federal Credit Union service is available 24hours a day, seven days a week. Transactions occurring from 6:00 a.m. to7:00 p.m. daily (Pacific Standard Time), are posted effective the same day.The CREDIT UNION's business days are Monday through Friday, exceptHolidays.OWNERSHIP OF CARD: The ATM Card and the MasterMoney Debit Cardare the property of the CREDIT UNION and you agree to surrender theCard(s) to the CREDIT UNION promptly upon demand. We may revoke theCard(s) at any time without notice or liability.CONFIDENTIALITY OF PIN: You agree to hold your PersonalIdentification Number (PIN) in strict confidence, and you will notify theCREDIT UNION immediately if the Card(s) or PIN are lost or stolen. If thewrong PIN is entered three (3) times in a 24 hour period, the ATM will retainyour Card as a security measure. DEPOSITS: You understand and agree that we accept funds deposited atan ATM subject to verification and collection, and receipts issued by anATM are binding only after verification. Funds deposited by cash or checkmay be unavailable for withdrawal until verified and collected by theCREDIT UNION. The delay will depend upon CREDIT UNION policies aspermitted by law. Our policy is to make funds from your deposits at aMember Access or CO-OP ATM available to you on the second businessday after the day we receive your deposit. For determining the availabilityof your deposits, every day is a business day, except Saturdays, Sundays,and federal holidays, if you make a deposit before 3:00 p.m. on a businessday that we are open, we will consider that day to be the day of yourdeposit. However, if you make your deposit after 3:00 p.m. or on a day we arenot open, we will consider that the deposit was made on the next businessday we are open. Longer delays may apply.ACCESS TO ACCOUNTS: Any person who receives a duplicate card (asrequested by you), or is permitted to use The Card would be able towithdraw ALL MONEY in your account. We refer to such person as anauthorized user, and you agree that an authorized user may withdrawfunds from your accounts with the ATM Card or the MasterMoney DebitCard regardless of whether that individual is authorized to withdraw fundsfrom your accounts by means other than the use of the ATM Card or theMasterMoney Debit Card.

TRANSACTION AUTHORIZATION: By using the ATM Card or theMasterMoney Debit Card in conjunction with your PIN at an ATM youauthorize the CREDIT UNION to provide account balance information, tomake deposits, to make withdrawals and transfers into or from youraccounts with the CREDIT UNION, in accordance with the instructionsgiven to the automated teller.CHARGES FOR ELECTRONIC FUNDS TRANSFER SERVICES: Allcharges for use of our Electronic Funds Transfer are disclosed in ourSchedule of Service Charges, which is provided with this Disclosure andAgreement. Additional copies can be obtained from any of our offices. Inaddition, transactions at certain ATMs on the systems which are not ownedby the Credit Union may be subject to a service fee charged by the ownerof the terminal. This fee may be imposed by a national, regional or localautomated transfer network that is used to facilitate the transaction.TRANSACTIONS AVAILABLE: You may use the ATM Card or theMasterMoney Debit Card to:• Make deposits to your Share or SmartCheck Checking Account;• Withdraw cash from your Share or SmartCheck Checking Account;• Transfer funds between your Share or SmartCheck Checking

Accounts;• Make point-of-sale payments for goods and services to others from

your SmartCheck Checking Account. Account balance inquiries arenot available.

Some of the transactions listed above may not be available at all terminals.All payments and deposits are subject to later verification by us.LIMITATIONS ON TRANSACTIONS: You may make ATM cash withdrawalsor POS transactions up to $600.00 each 24-hour period as long as youravailable balance will cover the transaction. Various institutions, whichparticipate in networks of which the Credit Union is a member, may havewithdrawal limits different from the amount set forth herein. In the event thata specific ATM is so limited, you may not be able to withdraw more than thecash limit of that particular ATM. There are no limits on the number of dailyPOS transactions you may make.DOCUMENTATION OF TRANSFERS: You will receive a receipt at the timeyou make any transaction at an ATM. Any new balance shown on thereceipt:1. Is your balance after the transaction has been completed;2. May not include deposits still subject to verification or collection (funds

placed on hold) by us;3. May differ from your records because of deposits in progress,

outstanding checks, or other withdrawals, payments or charges.Also, you will receive periodic statements at least quarterly, and you willreceive a monthly statement for any account which had ATM activity duringthe month.

ADDITIONAL DISCLOSURES APPLICABLE TO THEMASTERMONEY DEBIT CARD WHEN USED AS A

POINT-OF-SALE DEVICETYPES OF AVAILABLE TRANSACTIONS: By use of the MasterMoneyDebit Card with your PIN or sometimes just the MasterMoney Debit Cardor Card number at a participating Point-of-Sale terminal, you authorize usto make withdrawals from your Checking Account for cash or to pay forgoods and services. When you do so, you use the MasterMoney DebitCard as a debit card, which works much like a check you write on youraccount. The MasterMoney Debit Card is not a credit card, which meansyou may not defer payments of the MasterMoney Debit Card transactions.When you use the MasterMoney Debit Card, you must follow the proceduresestablished by the merchant or financial institution. You may be asked tosign a sales slip, withdrawal slip, or other document or just provide theMasterMoney Debit Card number. Some merchants may impose a fee forthe MasterMoney Debit Card transaction. We are not liable if a merchant orfinancial institution does not accept the MasterMoney Debit Card or Cardnumber.Your Card and/or account may not be used for any illegal activity ortransaction. Further, you may not utilize your Card and/or account for thepurchase of any goods or services on the Internet that involve gambling of

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any sort. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transactionconducted over an open network, and any betting or wagering. However, inthe event that a charge or transaction described in this paragraph isapproved and processed, you will still be responsible for such charges.We may debit or place a hold on your account for a transaction either onthe day it is presented to us for payment, by electronic or other means, oron the day we receive notice of the transaction, whichever is earlier.If a merchant or other financial institution requests an authorization for atransaction you want to conduct, we may place a hold on your account. Asa result you will not have access to the funds on hold other than for thetransaction authorized for the period of the hold. If the transaction posts toyour account before the hold expires, the balance available to you in youraccount may be reduced by the amount of the hold and the amount of thetransaction.You may not stop payment on the MasterMoney Debit Card transaction.Furthermore, in the event of a dispute with a merchant, you may have tosettle directly with that merchant. If a merchant misrepresents the quality,price, or warranty of goods or services you pay for using the MasterMoneyDebit Card, you indemnify us for all damages and liability which resultsfrom the misrepresentation. If you breach or don’t fulfill any of the terms ofthis agreement, you also indemnify us for all resulting damages and liability.FOREIGN TRANSACTIONS: Purchases, cash advances and credits madein foreign currencies will be billed to your Account in U.S. dollars. Theconversion to U.S. dollars will be made in accordance with the MasterCardInternational operating regulations for international transactions. Theexchange rate between the transaction currency and the billing currency usedfor processing international transactions is a rate selected by MasterCardInternational from the range of rates available in wholesale currencymarkets for the applicable central processing date, which rate may varyfrom the rate MasterCard International itself receives, or the government-mandated rate in effect for the applicable central processing date plus 1%.The conversion rate may be different than the rate on the day of thetransaction or date of the posting of the Account. When a credit to theAccount does not fully offset a charge to the Account due to changes in therate, you are responsible for the differences.TRANSACTIONS AVAILABLE (MASTERMONEY DEBIT CARD): Youmay use the MasterMoney Debit Card and PIN to:

• Withdraw cash from your Account(s) at ATMs, merchants, orfinancial institutions that accept MasterCard Cards or displays thelogo of an ATM Network affiliated with the CREDIT UNION;

• Transfer funds between your Account and another account youhave with the CREDIT UNION;

• Make deposits to your accounts at the CREDIT UNION.You may use the MasterMoney Debit Card without the PIN to:

• Purchase goods and services at places that accept MasterCard(these point-of-sale or POS transactions);

• Order goods or services by mail or telephone from places thataccept MasterCard;

• Make automatic payments from your Account to pay bills or othercharges, providing that the person or organization that you arepaying agrees to accept payments this way.

Some of these services may not be available at all terminals.Use of the MasterMoney Debit Card, the Account number on the Card, thePIN or any combination of the three for payments, purchases, or to obtaincash from merchants, financial institutions, ATMs or others who honorMasterMoney Debit Card is an order by you for the withdrawal of theamount of the transaction from your Account and is authorization to theCREDIT UNION to make the requested transfer or accept deposits to yourAccount. Each transaction with the MasterMoney Debit Card will becharged to your Account on the date the Transaction is posted to yourAccount.LIMITATIONS ON DOLLAR AMOUNTS AND FREQUENCY OFTRANSACTIONS (MASTERMONEY DEBIT CARD): The followinglimitations apply to the use of the MasterMoney Debit Card:

• You are limited to the amount on deposit in your Account plus anyauthorized overdraft protection;

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• There are no limitations to the frequency of MasterMoney DebitCard transactions imposed by the CREDIT UNION; however,there may be limitations imposed by the merchant or the terminal;

• ATM transactions are limited to $300.00 per calendar day.IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONICFUND TRANSFERS: Telephone us at (800) 835-3400, or write us atCAMINO FEDERAL CREDIT UNION, P.O. Box 849, Montebello, CA 90640as soon as you can if you think your statement or receipt is wrong or if youneed more information about a transaction listed on the statement ortransaction receipt. You must tell us no later than sixty (60) days after wesent you the FIRST statement on which the problem or error appeared.1. Tell us your name and account number.2. Describe the error or the transfer you are unsure about, and explain

as clearly as you can why you believe it is an error or why you needmore information.

3. Tell us the dollar amount of the suspected error. If you tell us orally, wewill require that you send us your complaint or question in writing withinten (10) business days.

We will tell you the results of our investigation within ten (10) business daysafter we hear from you and will correct any error promptly. If we need moretime, however, we may instead take up to forty-five (45) days to investigateyour complaint or question. If we decide to do this, we will re-credit yourAccount within ten (10) business days for the amount you think is in error,so that you will have use of the money, during the time it takes us tocomplete our investigation. If we ask you to put your complaint or questionin writing and we do NOT receive it within ten (10) business days, we maynot recredit your Account.If we decide that there was no error, we will send you a written explanationwithin three (3) business days after we finish our investigation.EXCEPTION: We have up to twenty (20) business days to provisionallycredit your account if the notice of error involves an electronic fundstransfer to or from an account within thirty days after the first deposit to theaccount was made (i.e., a new account). For new account transactions, orforeign-initiated transactions, or resulting from point-of-sale debit cardtransactions (including all debit card transactions, those for cash only, atmerchants’ POS terminals, and also including mail and telephone orders),we may take up to 90 calendar days to complete our investigation.MASTERMONEY DEBIT CARD EXCEPTION: We will provide provisionalcredit within five (5) business days of notification for unauthorized point-of-sale transfers.You may ask for copies of the documents that we used in our investigation.OUR LIABILITY FOR FAILURE TO MAKE OR COMPLETE ELECTRONICFUNDS TRANSACTIONS: If we do not complete a transaction to youraccount on time or in the correct amount according to our agreement withyou, we will be liable for your losses or damages. However, there are someexceptions. We will not be liable, for instance, if:1. Through no fault of ours, your account does not contain enough

money (or sufficient collected funds) to complete the transactions;2. The transaction requested would exceed an unused credit limit;3. The automated teller machine where you are making the transaction

does not have enough cash;4. The automated teller machine was not working properly and you knew

about the breakdown when you started the transaction;5. Circumstances beyond our control (such as fire, flood, earthquake,

electrical failure or malfunction of central data processing facility, etc.)prevent the transaction, despite reasonable precautions that we havetaken;

6. Your ATM Card, MasterMoney Debit Card, PIN number or SmartLinePIN has been reported lost or stolen, has expired, is damaged so thatthe ATM cannot read the encoding strip, is retained by us at yourrequest, or your ATM PIN, MasterMoney Debit Card PIN, or SmartLinePIN has been repeatedly entered incorrectly;

7. Failure to complete the transaction if done to protect the security ofyour account and/or the electronic terminal system;

8. We received incorrect or incomplete information from you or from thirdparties (e.g. U.S. Treasury, and automated clearing house or a terminalowner);

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9. There may be other exceptions.DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: Wewill disclosure information to third parties about your account or transactiononly;1. Where it is necessary for completing a transaction.2. To verify the existence and condition of your account for a third party,

such as a credit bureau or merchant;3. In order to comply with a government agency or a court order, subpoena

or other legal document; or4. If you give us your written permission.YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS ANDADVISABILITY OF PROMPT REPORTING: Tell us AT ONCE if youbelieve your ATM Card, ATM PIN, MasterMoney Debit Card, MasterMoneyDebit Card PIN, or SmartLine PIN has been lost, stolen or discovered byan unauthorized person. Telephoning is the best way of keeping yourpossible losses down. A written notification to us must follow your phonecall. You could lose all the money in your account(s), (plus your maximumline of credit). If you tell us within two (2) business days, you can lose nomore than $50.00 if someone used your Card.If you do NOT tell us within two (2) business days after you learn of the lossor theft of your Card, PIN or SmartLine PIN and we could have stoppedsomeone from using your Card, PIN or SmartLine PIN, you can lose asmuch as $500.00.Also, if your statement shows transactions that you did not make, tell us atonce. If you do not tell us within sixty (60) days after the statement wasmailed to you, you may not get back any money you lost after the sixty (60)days.If a good reason (such as a long trip or hospital stay) kept you from tellingus, we may extend the time periods.If you authorize someone else to use your ATM and/or MasterMoney DebitCard, PIN or SmartLine PIN you are responsible for all transactions whichthat person initiates at any time, even if the amount of the transaction(s)exceeds what you authorize.EXCEPTION FOR MASTERMONEY DEBIT CARD POINT OF SALETRANSACTIONS: You will generally not be liable for the unauthorized useof your Debit Card when such use is deemed a “MasterCard Transaction”by MasterCard International (such as use of the Debit Card to purchasegoods or services from merchants.) When such use is not deemed a“MasterCard Transaction” by MasterCard International (such as use of theDebit Card to obtain a cash advance at an ATM), or where you have notexercised reasonable care in safeguarding your Debit Card, or when youhave reported two (2) or more incidents of unauthorized use within thepreceding twelve (12) months, or where your account is not in goodstanding, you may be liable for such unauthorized use. In any case, you willnot be liable for unauthorized use that occurs after you notify CaminoFederal Credit Union, P.O. Box 849, Montebello, CA 90640, orally or inwriting, of the loss, theft, or possible unauthorized use, and your liability willnot exceed $50.

SAFETY TIPS FOR USING THE ATMThe automatic teller machine provides you quick, convenient access toyour money. By following these important safety tips, you can safely use theATM whenever you need cash:• Always use a Deposit Slip from your Checking Account when making

a deposit at an ATM.• Memorize your Personal Identification Number (PIN). Do not write

your PIN on the ATM Card or the MasterMoney Debit Card or leave itin your wallet.

• Keep your PIN a secret. It is for your protection. Someone you trusttoday may not be trustworthy tomorrow. If you suspect unauthorizeduse of your card, notify the CREDIT UNION.

• Keep the ATM Card and the MasterMoney Debit Card in a safe place.Protect it as you would cash or credit cards. If it is lost or stolen, notifythe CREDIT UNION immediately.

• When using the ATM at night, be sure you are in a well-lighted area. Ifsomeone in the area looks suspicious, choose another ATM in a saferlocation.

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ANDAGREEMENTS

PLEASE KEEPFOR YOUR RECORD

THIS DISCLOSURE SUPERCEEDANY DISCLOSURE WITH AN EFFECTIVE

PRIOR TO THE DATE SHOWN BELOW.


REV 11/12

• Have your transactions ready before going to the ATM. Fill out yourdeposit slip and place your checks or cash in an envelope and seal itbefore you arrive at the ATM location.

• Have the ATM Card and the MasterMoney Debit Card ready to insertinto the machine before arriving at the ATM so you don’t have to reachinto your purse or wallet while standing in front of the ATM.

• Don’t fall for “con” games. If anyone asks you to withdraw money forany reason, leave the area, at once. Notify CREDIT UNION as soonas possible.

• Stand between the ATM and people waiting to use the machine, soothers can’t see you enter your PIN and perform your transaction.

• Put your money and receipts away before leaving the ATM.• Never give information about your ATM account to strangers or inquirers

on the telephone. Communicate this information only to CREDITUNION in person.

• Consider having another person accompany you to the ATM.

ADDITIONAL DISCLOSURES APPLICABLE TOPRE-AUTHORIZED DEPOSIT OF NET PAYCHECK,

PAYROLL DEDUCTIONS, PENSION CHECKS,AND FEDERAL RECURRING PAYMENTS.

If you have arranged to have pre-authorized electronic deposits of your netpaycheck, payroll deductions, pension checks, or Federal RecurringPayments, (for example Social Security payments), the following informationapplies to you.ACCOUNT ACCESS: Pre-authorized deposits may be made to youraccount(s).NOTIFICATION OF PRE-AUTHORIZED DEPOSITS: If you havearranged with a third party (for example, the Social Security Administration)to make pre-authorized deposits to your account at least once every sixty(60) days, that third party making pre-authorized deposits may haveagreed to notify you every time the party sends us money to deposit to youraccount. If you have not made such an arrangement you may telephone usat (323) 722-3400, and we will advise you on whether or not the pre-authorized deposit has been made.DOCUMENTATION OF PRE-AUTHORIZED DEPOSITS: You will receivea periodic statement at least quarterly, and will receive a monthly statementif your pre-authorized deposit is made to your Checking Account.

ADDITIONAL DISCLOSURES APPLICABLE TOPRE-AUTHORIZED PAYMENT SERVICES

If you have requested a pre-authorized payment of insurance premiums,mortgage payments, etc., allowed only from your Credit Union Checking orRegular Share Account, the following information applies to you.RIGHT TO RECEIVE DOCUMENTATION OF PRE-AUTHORIZEDPAYMENT:INITIAL AUTHORIZATION: You can get copies of the pre-authorizedpayment documentation from the third party being paid at the time you givethem the initial authorization.NOTICE OF VARYING AMOUNTS: If your pre-authorized payment mayvary in amount, the party who will receive the payment is required to tellyou ten (10) days before each payment, when it will be made and howmuch it will be. You may agree with the person being paid to receive thisnotice only when the payment will differ by more than a certain amountfrom the previous payment, or when the amount would fall outside certainlimits that you set.PERIODIC STATEMENT: You will receive a monthly statement for eachmonth in which a transfer is made, but at least quarterly if no transfers aremade.RIGHT TO STOP PRE-AUTHORIZED PAYMENT: If you want to stop anypre-authorized payment, here's how:Call us at the following number (323) 722-3400, or write us at CaminoFederal Credit Union, P.O. Box 849, Montebello, CA 90640, in time for usto receive your stop request three (3) business days or more before the

6

payment is scheduled to be made. You may call but you are required to putyour request in writing and get it to us within fourteen (14) days after youcall, or the oral stop pay order shall cease to be binding. If you stoppayment on a pre-authorized payment from your account and that paymentis a recurring debit, the stop only applies to a specific payment on aspecific date for a specific amount. You are not revoking authorization forthe company to receive payments from your account. The stop paymentorder remains in effect until the earliest of the following occurs: a lapse ofsix (6) months from the date of the stop payment order, payment has beenstopped, or you withdraw the stop payment order. We will charge you aStop Payment Fee as established in our Schedule of Fees and Charges.RIGHT TO REVOKE AUTHORIZATION OF A PRE-AUTHORIZEDPAYMENT: If you revoke the authorization for a company to make pre-authorized payments from your account, you must sign an affidavit with usstating that you have notified the receiving company that you have revokedauthorization for the payment to be made in a manner specified by theoriginal authorization you signed. This must be done within 15 days afterthe payment has been made from your account. You are authorizing theCredit Union to revoke or cancel the entire pre-authorized third partyarrangement to that third party payee. We will charge you a Stop PaymentFee as established in our Schedule of Fees and Charges.OUR LIABILITY FOR FAILURE TO STOP PAYMENT: If you order us tostop your pre-authorized payments three (3) business days or more beforethe transaction is scheduled and we do not do so, we will be liable for yourlosses or damages, to the extent provided by law.NON-SUFFICIENT FUNDS (NSF) CHARGE: If your account does nothave sufficient funds to pay your pre-authorized payment(s), the request(s)for payment will be returned to the third party. Additionally, your account willbe charged a Non Sufficient Funds fee as established in our Schedule ofFees and Charges.LIABILITY FOR UNAUTHORIZED ELECTRONIC PAYMENTS: You willbe liable for unauthorized transfers made from your account by a thirdparty. If you believe such a transfer has occurred, follow the proceduresoutlined in “In Case of Errors or Questions About Your Electronic FundTransfers”.TRANSACTIONS AVAILABLE: You may use your pre-authorized paymentservices (ACH) services to perform the following transactions:• Make deposits to your Share Savings or SmartCheck Checking

Account;• Pay bills directly from your SmartCheck Checking Account in the

amounts and on the days you request.All payments and deposits are subject to later verification by us.

ADDITIONAL DISCLOSURES APPLICABLETO SMARTLINE AUDIO RESPONSE TELLER

If you are utilizing Camino Federal Credit Union’s Audio Response Teller,the following information applies to you:SMARTLINE SERVICE: Service is available for your convenience 24hours a day, seven days a week, with minor interruptions for end-of-daydata processing.CONFIDENTIALITY OF PIN: You agree to hold your PIN in strict confidence,and you will notify the Credit Union immediately if the PIN is lost or stolen.If you disclose your PIN to anyone, you understand that you have giventhem access to your accounts via SmartLine, and that you are responsiblefor any such transaction. You further understand that your PIN is nottransferable.If the wrong PIN is entered two (2) times consecutively, SmartLine willhang-up as a security measure.TRANSACTIONS AVAILABLE: You may use SmartLine to:• Perform account balance inquiries.• Process check withdrawals from your Share or SmartCheck Checking

Accounts.• Confirm a check clearance. • Transfer funds between your Share or SmartCheck Checking Accounts.• Obtain last dividend, date and amount.

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Transactions made through SmartLine are binding only after verification bythe Credit Union. Transactions occurring after normal business hours eachday will be posted to the appropriate account(s) on the next business dayafter the date of such transaction.The total dollar amount of each transaction via SmartLine is subject tolimits set by the Credit Union, and sufficient verified funds must beavailable to satisfy your transaction instructions.FEES AND CHARGES: Your SmartLine service is subject to the fees andcharges as disclosed on the Schedule of Fees and Charges.PERIODIC STATEMENT: You will receive a periodic statement at leastquarterly,and will receive a monthly statement for any account which hasSmartLine activity during the month, for the following transactions:1. A withdrawal.2. A transfer.

ADDITIONAL DISCLOSURES APPLICABLE TOALL ELECTRONIC FUND TRANSFERS

COLLECTIONS: You agree that the CREDIT UNION shall be entitled torecover any money owed by you as a result of your use of the ATM Cardor the MasterMoney Debit Card and you agree to repay any withdrawalswhich create an overdrawn balance upon demand. The Credit Union has asecurity interest in your present and future shares or deposits and has theright to apply shares or deposits to any money you owe. If any legal actionis required to enforce any provision of this Disclosure and Agreement or torecover money owed by you, you agree to pay all costs, including collectioncosts, attorney's fees, court costs, and any other charges incurred.TERMINATION OF ELECTRONIC SERVICES: You may, by writtenrequest, terminate any of the electronic services provided for in thisDisclosure and Agreement. We may terminate your right to make electronicfund transfers at any time upon written notice, provided you are a memberin good standing. However, we reserve the right to terminate electronicservices immediately, and without notice, if the terms and conditions of anyaccount agreement have been breached by you or you become a membernot in good standing.REGULATION “D” RESTRICTIONS ON ELECTRONIC FUNDSTRANSFERS: Preauthorized, automatic or telephone transfers from yourShare Savings Account are limited to six (6) in each calendar month.However, you may make an unlimited number of withdrawals from, ortransfers among, your Share Savings Accounts by mail, messenger or inperson at the Credit Union or at an ATM.

ADDITIONAL DISCLOSURES APPLICABLETO ACH AND WIRE TRANSFERS

This Agreement and Disclosure is subject to Article 4A of the UniformCommercial Code - Fund Transfers as adopted in the state of California. Ifyou originate a fund transfer for which Fedwire is used, and you identify byname and number a beneficiary financial institution, an intermediaryfinancial institution or a beneficiary, we and every receiving or beneficiaryfinancial institution may rely on the identifying number to make payment. Wemay rely on the number even if it identifies a financial institution, person oraccount other than the one named. You agree to be bound by AutomatedClearing House Association rules. These rules provide, among other things,that payment made to you, or originated by you, are provisional until finalsettlement is made through Federal Reserve Bank or payment is otherwisemade as provided in Article 4A-403(a) of the Uniform Commercial Code. Ifwe receive a credit to an Account you have with us by wire or ACH, we arenot required to give you any notice of the payment order or credit.

PROVISIONAL PAYMENT DISCLOSURE: Credit given by us to you withrespect to an automated clearing house credit entry is provisional until wereceive final settlement for such entry through a Federal Reserve Bank. If wedo not receive such final settlement you are hereby notified and agree thatwe are entitled to a refund of the amount credited to you in connection withsuch entry, and the party making payment to you via such entry (i.e. theoriginator of the entry) shall not be deemed to have paid you in the amountof such entry.

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NOTICE DISCLOSURE: Under the operating rules of the NationalAutomated Clearing House Association, which are applicable to ACHtransactions involving your account, we are not required to give next daynotice to you of receipt of an ACH item and we will not do so. However, wewill continue to notify you of the receipt of payments in the periodicstatements we provide to you.

CHOICE OF LAW DISCLOSURE: We may accept on your behalf paymentsto your account which have been transmitted through one or moreAutomated Clearing Houses (ACH) and which are not subject to theElectronic Fund Transfer Act and your rights and obligations with respect tosuch payments shall be construed in accordance with and governed by thelaws of the State of California as provided by the operating rules of theNational Automated Clearing House Association, which are applicable toACH transactions involving your account.

INTERNATIONAL ACH TRANSACTIONS: You acknowledge that in theevent an International ACH Transaction ("IAT") Entry that is transmitted to orfrom any of your Accounts is identified and designated by our screeningcriteria for review and examination under the OFAC Rules and Regulations("OFAC Rules"), then the settlement of such an IAT Entry may be delayed orsuspended pending our review of the IAT Entry, and may be terminatedunder applicable OFAC Rules. You also acknowledge that we may berequired to place an indefinite hold on the funds covered by the IAT Entry ifthe IAT Entry is required to be terminated under the OFAC Rules. You agreethat any delay described in the foregoing provisions of this paragraph is apermissible delay under the terms of laws and regulations applicable to theavailability of funds held in deposit accounts. In the event an IAT Entry isdelayed or terminated, we will provide you such notice as may be requiredby the NACHA Rules, OFAC Rules, or other applicable laws and regulations.

OFAC Rules: Economic and trade sanctions administered and enforced bythe Office of Foreign Assets Control (OFAC) of the US Department of theTreasury to prevent "prohibited transactions" based on U.S. foreign policyand national security goals against targeted foreign states, organizations,and individuals.

NACHA RULES: An annual publication issued by the National AutomatedClearing House Association (NACHA) incorporating the rules andregulations that govern the use of the ACH, Network in which all ACHparticipants must comply.

lAT: International ACH Transaction (IAT) or IAT Entry means a credit or debitEntry that is part of a payment transaction involving a financial agency'soffice that is not located in the territorial jurisdiction the United States.

CHANGE IN TERMS: The Credit Union may change any term and conditionof this Disclosure and Agreement at any time, but the Credit Union will giveyou at least twenty-one (21) days’ written notice of any change which wouldresult in a greater cost or liability, or which would limit your access toaccounts (except where a change is necessary for security reasons), or asotherwise provided by law or regulation.

NOTICES: Any notice sent to you by the Credit Union will be effective whenmailed to your last known address as shown on the Credit Union records.

COPY RECEIVED: You acknowledge receipt of a copy of this Disclosureand Agreement.

OTHER AGREEMENTS: Other agreements between you and the CreditUnion controlling Share Accounts and Share Checking Accounts continueto apply, except to the extent expressly modified by this Disclosure andAgreement.

APPLICABLE LAW: This Disclosure and Agreement shall be construedand governed in accordance with the laws of the State of California.

SEVERABILITY: If any part of this Disclosure and Agreement should beheld to be unenforceable, the remaining provisions shall remain in full forceand effect.

NOTICE: IF YOU DO NOT AGREE TO THE TERMS OF THIS DISCLOSUREAND AGREEMENT, DESTROY THE ATM CARD OR THE MASTERMONEYDEBIT CARD IMMEDIATELY BY CUTTING IT IN HALF AND RETURNINGIT TO CAMINO FEDERAL CREDIT UNION, P.O. BOX 849, MONTEBELLO,CA 90640.

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www.caminofcu.orgP.O. Box 849, Montebello, CA 90640800/835-3400 • fax 323/887-9909

ELECTRONIC SERVICESDISCLOSURE AND AGREEMENT

At the present time, Camino Federal Credit Union participates in severaltypes of services that may be accomplished by electronic transfer:pre-authorized deposits of net paycheck; payroll deduction; pre-authorizeddeposit of pension checks and Federal Recurring Payments (for example,Social Security payments); pre-authorized payments (for example, insurancepremiums and mortgage payments); The MasterMoney Debit Card;SmartLine Audio Response Teller; and other Automated Teller Machine("ATM") electronic fund transfer services, transactions at a point of sale(POS) terminal whether or not an access device is used; a check conversionto an EFT transaction such as when you provide a check to a merchant forthe merchant to capture the routing, account and serial numbers to initiatea transfer, whether the check is blank, partially or fully completed andsigned, whether you or the merchant or the Credit Union retains the check.Disclosure information applicable to all electronic services offered byCamino Federal Credit Union is given below, with certain specific disclosureinformation for each service following in separate sections. You understandthat the agreements, rules and regulations applicable to your RegularShare Account, Checking Account, Money Market Account, and any otherapplicable account, remain in full force and effect and continue to beapplicable except as specifically modified by this Disclosure and Agreement.In these disclosures the term “ATM” refers to the ATM/POS Card. The term“MasterMoney Debit Card” refers to the debit card with ATM and POScapability.By requesting, signing or using (or authorizing another person or personsto sign or use) your Card or Personal Identification Number ("PIN"), youagree to use the Card and PIN in accordance with the following terms andconditions.

PLEASE READ AND RETAIN FOR YOUR RECORDS

AUTOMATED TELLER MACHINEELECTRONIC SERVICES

ATM SERVICE: The Camino Federal Credit Union service is available 24hours a day, seven days a week. Transactions occurring from 6:00 a.m. to7:00 p.m. daily (Pacific Standard Time), are posted effective the same day.The CREDIT UNION's business days are Monday through Friday, exceptHolidays.OWNERSHIP OF CARD: The ATM Card and the MasterMoney Debit Cardare the property of the CREDIT UNION and you agree to surrender theCard(s) to the CREDIT UNION promptly upon demand. We may revoke theCard(s) at any time without notice or liability.CONFIDENTIALITY OF PIN: You agree to hold your PersonalIdentification Number (PIN) in strict confidence, and you will notify theCREDIT UNION immediately if the Card(s) or PIN are lost or stolen. If thewrong PIN is entered three (3) times in a 24 hour period, the ATM will retainyour Card as a security measure. DEPOSITS: You understand and agree that we accept funds deposited atan ATM subject to verification and collection, and receipts issued by anATM are binding only after verification. Funds deposited by cash or checkmay be unavailable for withdrawal until verified and collected by theCREDIT UNION. The delay will depend upon CREDIT UNION policies aspermitted by law. Our policy is to make funds from your deposits at aMember Access or CO-OP ATM available to you on the second businessday after the day we receive your deposit. For determining the availabilityof your deposits, every day is a business day, except Saturdays, Sundays,and federal holidays, if you make a deposit before 3:00 p.m. on a businessday that we are open, we will consider that day to be the day of yourdeposit. However, if you make your deposit after 3:00 p.m. or on a day we arenot open, we will consider that the deposit was made on the next businessday we are open. Longer delays may apply.ACCESS TO ACCOUNTS: Any person who receives a duplicate card (asrequested by you), or is permitted to use The Card would be able towithdraw ALL MONEY in your account. We refer to such person as anauthorized user, and you agree that an authorized user may withdrawfunds from your accounts with the ATM Card or the MasterMoney DebitCard regardless of whether that individual is authorized to withdraw fundsfrom your accounts by means other than the use of the ATM Card or theMasterMoney Debit Card.

TRANSACTION AUTHORIZATION: By using the ATM Card or theMasterMoney Debit Card in conjunction with your PIN at an ATM youauthorize the CREDIT UNION to provide account balance information, tomake deposits, to make withdrawals and transfers into or from youraccounts with the CREDIT UNION, in accordance with the instructionsgiven to the automated teller.CHARGES FOR ELECTRONIC FUNDS TRANSFER SERVICES: Allcharges for use of our Electronic Funds Transfer are disclosed in ourSchedule of Service Charges, which is provided with this Disclosure andAgreement. Additional copies can be obtained from any of our offices. Inaddition, transactions at certain ATMs on the systems which are not ownedby the Credit Union may be subject to a service fee charged by the ownerof the terminal. This fee may be imposed by a national, regional or localautomated transfer network that is used to facilitate the transaction.TRANSACTIONS AVAILABLE: You may use the ATM Card or theMasterMoney Debit Card to:• Make deposits to your Share or SmartCheck Checking Account;• Withdraw cash from your Share or SmartCheck Checking Account;• Transfer funds between your Share or SmartCheck Checking

Accounts;• Make point-of-sale payments for goods and services to others from

your SmartCheck Checking Account. Account balance inquiries arenot available.

Some of the transactions listed above may not be available at all terminals.All payments and deposits are subject to later verification by us.LIMITATIONS ON TRANSACTIONS: You may make ATM cash withdrawalsor POS transactions up to $600.00 each 24-hour period as long as youravailable balance will cover the transaction. Various institutions, whichparticipate in networks of which the Credit Union is a member, may havewithdrawal limits different from the amount set forth herein. In the event thata specific ATM is so limited, you may not be able to withdraw more than thecash limit of that particular ATM. There are no limits on the number of dailyPOS transactions you may make.DOCUMENTATION OF TRANSFERS: You will receive a receipt at the timeyou make any transaction at an ATM. Any new balance shown on thereceipt:1. Is your balance after the transaction has been completed;2. May not include deposits still subject to verification or collection (funds

placed on hold) by us;3. May differ from your records because of deposits in progress,

outstanding checks, or other withdrawals, payments or charges.Also, you will receive periodic statements at least quarterly, and you willreceive a monthly statement for any account which had ATM activity duringthe month.

ADDITIONAL DISCLOSURES APPLICABLE TO THEMASTERMONEY DEBIT CARD WHEN USED AS A

POINT-OF-SALE DEVICETYPES OF AVAILABLE TRANSACTIONS: By use of the MasterMoneyDebit Card with your PIN or sometimes just the MasterMoney Debit Cardor Card number at a participating Point-of-Sale terminal, you authorize usto make withdrawals from your Checking Account for cash or to pay forgoods and services. When you do so, you use the MasterMoney DebitCard as a debit card, which works much like a check you write on youraccount. The MasterMoney Debit Card is not a credit card, which meansyou may not defer payments of the MasterMoney Debit Card transactions.When you use the MasterMoney Debit Card, you must follow the proceduresestablished by the merchant or financial institution. You may be asked tosign a sales slip, withdrawal slip, or other document or just provide theMasterMoney Debit Card number. Some merchants may impose a fee forthe MasterMoney Debit Card transaction. We are not liable if a merchant orfinancial institution does not accept the MasterMoney Debit Card or Cardnumber.Your Card and/or account may not be used for any illegal activity ortransaction. Further, you may not utilize your Card and/or account for thepurchase of any goods or services on the Internet that involve gambling of

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any sort. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transactionconducted over an open network, and any betting or wagering. However, inthe event that a charge or transaction described in this paragraph isapproved and processed, you will still be responsible for such charges.We may debit or place a hold on your account for a transaction either onthe day it is presented to us for payment, by electronic or other means, oron the day we receive notice of the transaction, whichever is earlier.If a merchant or other financial institution requests an authorization for atransaction you want to conduct, we may place a hold on your account. Asa result you will not have access to the funds on hold other than for thetransaction authorized for the period of the hold. If the transaction posts toyour account before the hold expires, the balance available to you in youraccount may be reduced by the amount of the hold and the amount of thetransaction.You may not stop payment on the MasterMoney Debit Card transaction.Furthermore, in the event of a dispute with a merchant, you may have tosettle directly with that merchant. If a merchant misrepresents the quality,price, or warranty of goods or services you pay for using the MasterMoneyDebit Card, you indemnify us for all damages and liability which resultsfrom the misrepresentation. If you breach or don’t fulfill any of the terms ofthis agreement, you also indemnify us for all resulting damages and liability.FOREIGN TRANSACTIONS: Purchases, cash advances and credits madein foreign currencies will be billed to your Account in U.S. dollars. Theconversion to U.S. dollars will be made in accordance with the MasterCardInternational operating regulations for international transactions. Theexchange rate between the transaction currency and the billing currency usedfor processing international transactions is a rate selected by MasterCardInternational from the range of rates available in wholesale currencymarkets for the applicable central processing date, which rate may varyfrom the rate MasterCard International itself receives, or the government-mandated rate in effect for the applicable central processing date plus 1%.The conversion rate may be different than the rate on the day of thetransaction or date of the posting of the Account. When a credit to theAccount does not fully offset a charge to the Account due to changes in therate, you are responsible for the differences.TRANSACTIONS AVAILABLE (MASTERMONEY DEBIT CARD): Youmay use the MasterMoney Debit Card and PIN to:

• Withdraw cash from your Account(s) at ATMs, merchants, orfinancial institutions that accept MasterCard Cards or displays thelogo of an ATM Network affiliated with the CREDIT UNION;

• Transfer funds between your Account and another account youhave with the CREDIT UNION;

• Make deposits to your accounts at the CREDIT UNION.You may use the MasterMoney Debit Card without the PIN to:

• Purchase goods and services at places that accept MasterCard(these point-of-sale or POS transactions);

• Order goods or services by mail or telephone from places thataccept MasterCard;

• Make automatic payments from your Account to pay bills or othercharges, providing that the person or organization that you arepaying agrees to accept payments this way.

Some of these services may not be available at all terminals.Use of the MasterMoney Debit Card, the Account number on the Card, thePIN or any combination of the three for payments, purchases, or to obtaincash from merchants, financial institutions, ATMs or others who honorMasterMoney Debit Card is an order by you for the withdrawal of theamount of the transaction from your Account and is authorization to theCREDIT UNION to make the requested transfer or accept deposits to yourAccount. Each transaction with the MasterMoney Debit Card will becharged to your Account on the date the Transaction is posted to yourAccount.LIMITATIONS ON DOLLAR AMOUNTS AND FREQUENCY OFTRANSACTIONS (MASTERMONEY DEBIT CARD): The followinglimitations apply to the use of the MasterMoney Debit Card:

• You are limited to the amount on deposit in your Account plus anyauthorized overdraft protection;

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• There are no limitations to the frequency of MasterMoney DebitCard transactions imposed by the CREDIT UNION; however,there may be limitations imposed by the merchant or the terminal;

• ATM transactions are limited to $300.00 per calendar day.IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONICFUND TRANSFERS: Telephone us at (800) 835-3400, or write us atCAMINO FEDERAL CREDIT UNION, P.O. Box 849, Montebello, CA 90640as soon as you can if you think your statement or receipt is wrong or if youneed more information about a transaction listed on the statement ortransaction receipt. You must tell us no later than sixty (60) days after wesent you the FIRST statement on which the problem or error appeared.1. Tell us your name and account number.2. Describe the error or the transfer you are unsure about, and explain

as clearly as you can why you believe it is an error or why you needmore information.

3. Tell us the dollar amount of the suspected error. If you tell us orally, wewill require that you send us your complaint or question in writing withinten (10) business days.

We will tell you the results of our investigation within ten (10) business daysafter we hear from you and will correct any error promptly. If we need moretime, however, we may instead take up to forty-five (45) days to investigateyour complaint or question. If we decide to do this, we will re-credit yourAccount within ten (10) business days for the amount you think is in error,so that you will have use of the money, during the time it takes us tocomplete our investigation. If we ask you to put your complaint or questionin writing and we do NOT receive it within ten (10) business days, we maynot recredit your Account.If we decide that there was no error, we will send you a written explanationwithin three (3) business days after we finish our investigation.EXCEPTION: We have up to twenty (20) business days to provisionallycredit your account if the notice of error involves an electronic fundstransfer to or from an account within thirty days after the first deposit to theaccount was made (i.e., a new account). For new account transactions, orforeign-initiated transactions, or resulting from point-of-sale debit cardtransactions (including all debit card transactions, those for cash only, atmerchants’ POS terminals, and also including mail and telephone orders),we may take up to 90 calendar days to complete our investigation.MASTERMONEY DEBIT CARD EXCEPTION: We will provide provisionalcredit within five (5) business days of notification for unauthorized point-of-sale transfers.You may ask for copies of the documents that we used in our investigation.OUR LIABILITY FOR FAILURE TO MAKE OR COMPLETE ELECTRONICFUNDS TRANSACTIONS: If we do not complete a transaction to youraccount on time or in the correct amount according to our agreement withyou, we will be liable for your losses or damages. However, there are someexceptions. We will not be liable, for instance, if:1. Through no fault of ours, your account does not contain enough

money (or sufficient collected funds) to complete the transactions;2. The transaction requested would exceed an unused credit limit;3. The automated teller machine where you are making the transaction

does not have enough cash;4. The automated teller machine was not working properly and you knew

about the breakdown when you started the transaction;5. Circumstances beyond our control (such as fire, flood, earthquake,

electrical failure or malfunction of central data processing facility, etc.)prevent the transaction, despite reasonable precautions that we havetaken;

6. Your ATM Card, MasterMoney Debit Card, PIN number or SmartLinePIN has been reported lost or stolen, has expired, is damaged so thatthe ATM cannot read the encoding strip, is retained by us at yourrequest, or your ATM PIN, MasterMoney Debit Card PIN, or SmartLinePIN has been repeatedly entered incorrectly;

7. Failure to complete the transaction if done to protect the security ofyour account and/or the electronic terminal system;

8. We received incorrect or incomplete information from you or from thirdparties (e.g. U.S. Treasury, and automated clearing house or a terminalowner);

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9. There may be other exceptions.DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES: Wewill disclosure information to third parties about your account or transactiononly;1. Where it is necessary for completing a transaction.2. To verify the existence and condition of your account for a third party,

such as a credit bureau or merchant;3. In order to comply with a government agency or a court order, subpoena

or other legal document; or4. If you give us your written permission.YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS ANDADVISABILITY OF PROMPT REPORTING: Tell us AT ONCE if youbelieve your ATM Card, ATM PIN, MasterMoney Debit Card, MasterMoneyDebit Card PIN, or SmartLine PIN has been lost, stolen or discovered byan unauthorized person. Telephoning is the best way of keeping yourpossible losses down. A written notification to us must follow your phonecall. You could lose all the money in your account(s), (plus your maximumline of credit). If you tell us within two (2) business days, you can lose nomore than $50.00 if someone used your Card.If you do NOT tell us within two (2) business days after you learn of the lossor theft of your Card, PIN or SmartLine PIN and we could have stoppedsomeone from using your Card, PIN or SmartLine PIN, you can lose asmuch as $500.00.Also, if your statement shows transactions that you did not make, tell us atonce. If you do not tell us within sixty (60) days after the statement wasmailed to you, you may not get back any money you lost after the sixty (60)days.If a good reason (such as a long trip or hospital stay) kept you from tellingus, we may extend the time periods.If you authorize someone else to use your ATM and/or MasterMoney DebitCard, PIN or SmartLine PIN you are responsible for all transactions whichthat person initiates at any time, even if the amount of the transaction(s)exceeds what you authorize.EXCEPTION FOR MASTERMONEY DEBIT CARD POINT OF SALETRANSACTIONS: You will generally not be liable for the unauthorized useof your Debit Card when such use is deemed a “MasterCard Transaction”by MasterCard International (such as use of the Debit Card to purchasegoods or services from merchants.) When such use is not deemed a“MasterCard Transaction” by MasterCard International (such as use of theDebit Card to obtain a cash advance at an ATM), or where you have notexercised reasonable care in safeguarding your Debit Card, or when youhave reported two (2) or more incidents of unauthorized use within thepreceding twelve (12) months, or where your account is not in goodstanding, you may be liable for such unauthorized use. In any case, you willnot be liable for unauthorized use that occurs after you notify CaminoFederal Credit Union, P.O. Box 849, Montebello, CA 90640, orally or inwriting, of the loss, theft, or possible unauthorized use, and your liability willnot exceed $50.

SAFETY TIPS FOR USING THE ATMThe automatic teller machine provides you quick, convenient access toyour money. By following these important safety tips, you can safely use theATM whenever you need cash:• Always use a Deposit Slip from your Checking Account when making

a deposit at an ATM.• Memorize your Personal Identification Number (PIN). Do not write

your PIN on the ATM Card or the MasterMoney Debit Card or leave itin your wallet.

• Keep your PIN a secret. It is for your protection. Someone you trusttoday may not be trustworthy tomorrow. If you suspect unauthorizeduse of your card, notify the CREDIT UNION.

• Keep the ATM Card and the MasterMoney Debit Card in a safe place.Protect it as you would cash or credit cards. If it is lost or stolen, notifythe CREDIT UNION immediately.

• When using the ATM at night, be sure you are in a well-lighted area. Ifsomeone in the area looks suspicious, choose another ATM in a saferlocation.

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ANDAGREEMENTS

PLEASE KEEPFOR YOUR RECORD

THIS DISCLOSURE SUPERCEEDANY DISCLOSURE WITH AN EFFECTIVE

PRIOR TO THE DATE SHOWN BELOW.


REV 11/12

• Have your transactions ready before going to the ATM. Fill out yourdeposit slip and place your checks or cash in an envelope and seal itbefore you arrive at the ATM location.

• Have the ATM Card and the MasterMoney Debit Card ready to insertinto the machine before arriving at the ATM so you don’t have to reachinto your purse or wallet while standing in front of the ATM.

• Don’t fall for “con” games. If anyone asks you to withdraw money forany reason, leave the area, at once. Notify CREDIT UNION as soonas possible.

• Stand between the ATM and people waiting to use the machine, soothers can’t see you enter your PIN and perform your transaction.

• Put your money and receipts away before leaving the ATM.• Never give information about your ATM account to strangers or inquirers

on the telephone. Communicate this information only to CREDITUNION in person.

• Consider having another person accompany you to the ATM.

ADDITIONAL DISCLOSURES APPLICABLE TOPRE-AUTHORIZED DEPOSIT OF NET PAYCHECK,

PAYROLL DEDUCTIONS, PENSION CHECKS,AND FEDERAL RECURRING PAYMENTS.

If you have arranged to have pre-authorized electronic deposits of your netpaycheck, payroll deductions, pension checks, or Federal RecurringPayments, (for example Social Security payments), the following informationapplies to you.ACCOUNT ACCESS: Pre-authorized deposits may be made to youraccount(s).NOTIFICATION OF PRE-AUTHORIZED DEPOSITS: If you havearranged with a third party (for example, the Social Security Administration)to make pre-authorized deposits to your account at least once every sixty(60) days, that third party making pre-authorized deposits may haveagreed to notify you every time the party sends us money to deposit to youraccount. If you have not made such an arrangement you may telephone usat (323) 722-3400, and we will advise you on whether or not the pre-authorized deposit has been made.DOCUMENTATION OF PRE-AUTHORIZED DEPOSITS: You will receivea periodic statement at least quarterly, and will receive a monthly statementif your pre-authorized deposit is made to your Checking Account.

ADDITIONAL DISCLOSURES APPLICABLE TOPRE-AUTHORIZED PAYMENT SERVICES

If you have requested a pre-authorized payment of insurance premiums,mortgage payments, etc., allowed only from your Credit Union Checking orRegular Share Account, the following information applies to you.RIGHT TO RECEIVE DOCUMENTATION OF PRE-AUTHORIZEDPAYMENT:INITIAL AUTHORIZATION: You can get copies of the pre-authorizedpayment documentation from the third party being paid at the time you givethem the initial authorization.NOTICE OF VARYING AMOUNTS: If your pre-authorized payment mayvary in amount, the party who will receive the payment is required to tellyou ten (10) days before each payment, when it will be made and howmuch it will be. You may agree with the person being paid to receive thisnotice only when the payment will differ by more than a certain amountfrom the previous payment, or when the amount would fall outside certainlimits that you set.PERIODIC STATEMENT: You will receive a monthly statement for eachmonth in which a transfer is made, but at least quarterly if no transfers aremade.RIGHT TO STOP PRE-AUTHORIZED PAYMENT: If you want to stop anypre-authorized payment, here's how:Call us at the following number (323) 722-3400, or write us at CaminoFederal Credit Union, P.O. Box 849, Montebello, CA 90640, in time for usto receive your stop request three (3) business days or more before the

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payment is scheduled to be made. You may call but you are required to putyour request in writing and get it to us within fourteen (14) days after youcall, or the oral stop pay order shall cease to be binding. If you stoppayment on a pre-authorized payment from your account and that paymentis a recurring debit, the stop only applies to a specific payment on aspecific date for a specific amount. You are not revoking authorization forthe company to receive payments from your account. The stop paymentorder remains in effect until the earliest of the following occurs: a lapse ofsix (6) months from the date of the stop payment order, payment has beenstopped, or you withdraw the stop payment order. We will charge you aStop Payment Fee as established in our Schedule of Fees and Charges.RIGHT TO REVOKE AUTHORIZATION OF A PRE-AUTHORIZEDPAYMENT: If you revoke the authorization for a company to make pre-authorized payments from your account, you must sign an affidavit with usstating that you have notified the receiving company that you have revokedauthorization for the payment to be made in a manner specified by theoriginal authorization you signed. This must be done within 15 days afterthe payment has been made from your account. You are authorizing theCredit Union to revoke or cancel the entire pre-authorized third partyarrangement to that third party payee. We will charge you a Stop PaymentFee as established in our Schedule of Fees and Charges.OUR LIABILITY FOR FAILURE TO STOP PAYMENT: If you order us tostop your pre-authorized payments three (3) business days or more beforethe transaction is scheduled and we do not do so, we will be liable for yourlosses or damages, to the extent provided by law.NON-SUFFICIENT FUNDS (NSF) CHARGE: If your account does nothave sufficient funds to pay your pre-authorized payment(s), the request(s)for payment will be returned to the third party. Additionally, your account willbe charged a Non Sufficient Funds fee as established in our Schedule ofFees and Charges.LIABILITY FOR UNAUTHORIZED ELECTRONIC PAYMENTS: You willbe liable for unauthorized transfers made from your account by a thirdparty. If you believe such a transfer has occurred, follow the proceduresoutlined in “In Case of Errors or Questions About Your Electronic FundTransfers”.TRANSACTIONS AVAILABLE: You may use your pre-authorized paymentservices (ACH) services to perform the following transactions:• Make deposits to your Share Savings or SmartCheck Checking

Account;• Pay bills directly from your SmartCheck Checking Account in the

amounts and on the days you request.All payments and deposits are subject to later verification by us.

ADDITIONAL DISCLOSURES APPLICABLETO SMARTLINE AUDIO RESPONSE TELLER

If you are utilizing Camino Federal Credit Union’s Audio Response Teller,the following information applies to you:SMARTLINE SERVICE: Service is available for your convenience 24hours a day, seven days a week, with minor interruptions for end-of-daydata processing.CONFIDENTIALITY OF PIN: You agree to hold your PIN in strict confidence,and you will notify the Credit Union immediately if the PIN is lost or stolen.If you disclose your PIN to anyone, you understand that you have giventhem access to your accounts via SmartLine, and that you are responsiblefor any such transaction. You further understand that your PIN is nottransferable.If the wrong PIN is entered two (2) times consecutively, SmartLine willhang-up as a security measure.TRANSACTIONS AVAILABLE: You may use SmartLine to:• Perform account balance inquiries.• Process check withdrawals from your Share or SmartCheck Checking

Accounts.• Confirm a check clearance. • Transfer funds between your Share or SmartCheck Checking Accounts.• Obtain last dividend, date and amount.

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Transactions made through SmartLine are binding only after verification bythe Credit Union. Transactions occurring after normal business hours eachday will be posted to the appropriate account(s) on the next business dayafter the date of such transaction.The total dollar amount of each transaction via SmartLine is subject tolimits set by the Credit Union, and sufficient verified funds must beavailable to satisfy your transaction instructions.FEES AND CHARGES: Your SmartLine service is subject to the fees andcharges as disclosed on the Schedule of Fees and Charges.PERIODIC STATEMENT: You will receive a periodic statement at leastquarterly,and will receive a monthly statement for any account which hasSmartLine activity during the month, for the following transactions:1. A withdrawal.2. A transfer.

ADDITIONAL DISCLOSURES APPLICABLE TOALL ELECTRONIC FUND TRANSFERS

COLLECTIONS: You agree that the CREDIT UNION shall be entitled torecover any money owed by you as a result of your use of the ATM Cardor the MasterMoney Debit Card and you agree to repay any withdrawalswhich create an overdrawn balance upon demand. The Credit Union has asecurity interest in your present and future shares or deposits and has theright to apply shares or deposits to any money you owe. If any legal actionis required to enforce any provision of this Disclosure and Agreement or torecover money owed by you, you agree to pay all costs, including collectioncosts, attorney's fees, court costs, and any other charges incurred.TERMINATION OF ELECTRONIC SERVICES: You may, by writtenrequest, terminate any of the electronic services provided for in thisDisclosure and Agreement. We may terminate your right to make electronicfund transfers at any time upon written notice, provided you are a memberin good standing. However, we reserve the right to terminate electronicservices immediately, and without notice, if the terms and conditions of anyaccount agreement have been breached by you or you become a membernot in good standing.REGULATION “D” RESTRICTIONS ON ELECTRONIC FUNDSTRANSFERS: Preauthorized, automatic or telephone transfers from yourShare Savings Account are limited to six (6) in each calendar month.However, you may make an unlimited number of withdrawals from, ortransfers among, your Share Savings Accounts by mail, messenger or inperson at the Credit Union or at an ATM.

ADDITIONAL DISCLOSURES APPLICABLETO ACH AND WIRE TRANSFERS

This Agreement and Disclosure is subject to Article 4A of the UniformCommercial Code - Fund Transfers as adopted in the state of California. Ifyou originate a fund transfer for which Fedwire is used, and you identify byname and number a beneficiary financial institution, an intermediaryfinancial institution or a beneficiary, we and every receiving or beneficiaryfinancial institution may rely on the identifying number to make payment. Wemay rely on the number even if it identifies a financial institution, person oraccount other than the one named. You agree to be bound by AutomatedClearing House Association rules. These rules provide, among other things,that payment made to you, or originated by you, are provisional until finalsettlement is made through Federal Reserve Bank or payment is otherwisemade as provided in Article 4A-403(a) of the Uniform Commercial Code. Ifwe receive a credit to an Account you have with us by wire or ACH, we arenot required to give you any notice of the payment order or credit.

PROVISIONAL PAYMENT DISCLOSURE: Credit given by us to you withrespect to an automated clearing house credit entry is provisional until wereceive final settlement for such entry through a Federal Reserve Bank. If wedo not receive such final settlement you are hereby notified and agree thatwe are entitled to a refund of the amount credited to you in connection withsuch entry, and the party making payment to you via such entry (i.e. theoriginator of the entry) shall not be deemed to have paid you in the amountof such entry.

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NOTICE DISCLOSURE: Under the operating rules of the NationalAutomated Clearing House Association, which are applicable to ACHtransactions involving your account, we are not required to give next daynotice to you of receipt of an ACH item and we will not do so. However, wewill continue to notify you of the receipt of payments in the periodicstatements we provide to you.

CHOICE OF LAW DISCLOSURE: We may accept on your behalf paymentsto your account which have been transmitted through one or moreAutomated Clearing Houses (ACH) and which are not subject to theElectronic Fund Transfer Act and your rights and obligations with respect tosuch payments shall be construed in accordance with and governed by thelaws of the State of California as provided by the operating rules of theNational Automated Clearing House Association, which are applicable toACH transactions involving your account.

INTERNATIONAL ACH TRANSACTIONS: You acknowledge that in theevent an International ACH Transaction ("IAT") Entry that is transmitted to orfrom any of your Accounts is identified and designated by our screeningcriteria for review and examination under the OFAC Rules and Regulations("OFAC Rules"), then the settlement of such an IAT Entry may be delayed orsuspended pending our review of the IAT Entry, and may be terminatedunder applicable OFAC Rules. You also acknowledge that we may berequired to place an indefinite hold on the funds covered by the IAT Entry ifthe IAT Entry is required to be terminated under the OFAC Rules. You agreethat any delay described in the foregoing provisions of this paragraph is apermissible delay under the terms of laws and regulations applicable to theavailability of funds held in deposit accounts. In the event an IAT Entry isdelayed or terminated, we will provide you such notice as may be requiredby the NACHA Rules, OFAC Rules, or other applicable laws and regulations.

OFAC Rules: Economic and trade sanctions administered and enforced bythe Office of Foreign Assets Control (OFAC) of the US Department of theTreasury to prevent "prohibited transactions" based on U.S. foreign policyand national security goals against targeted foreign states, organizations,and individuals.

NACHA RULES: An annual publication issued by the National AutomatedClearing House Association (NACHA) incorporating the rules andregulations that govern the use of the ACH, Network in which all ACHparticipants must comply.

lAT: International ACH Transaction (IAT) or IAT Entry means a credit or debitEntry that is part of a payment transaction involving a financial agency'soffice that is not located in the territorial jurisdiction the United States.

CHANGE IN TERMS: The Credit Union may change any term and conditionof this Disclosure and Agreement at any time, but the Credit Union will giveyou at least twenty-one (21) days’ written notice of any change which wouldresult in a greater cost or liability, or which would limit your access toaccounts (except where a change is necessary for security reasons), or asotherwise provided by law or regulation.

NOTICES: Any notice sent to you by the Credit Union will be effective whenmailed to your last known address as shown on the Credit Union records.

COPY RECEIVED: You acknowledge receipt of a copy of this Disclosureand Agreement.

OTHER AGREEMENTS: Other agreements between you and the CreditUnion controlling Share Accounts and Share Checking Accounts continueto apply, except to the extent expressly modified by this Disclosure andAgreement.

APPLICABLE LAW: This Disclosure and Agreement shall be construedand governed in accordance with the laws of the State of California.

SEVERABILITY: If any part of this Disclosure and Agreement should beheld to be unenforceable, the remaining provisions shall remain in full forceand effect.

NOTICE: IF YOU DO NOT AGREE TO THE TERMS OF THIS DISCLOSUREAND AGREEMENT, DESTROY THE ATM CARD OR THE MASTERMONEYDEBIT CARD IMMEDIATELY BY CUTTING IT IN HALF AND RETURNINGIT TO CAMINO FEDERAL CREDIT UNION, P.O. BOX 849, MONTEBELLO,CA 90640.

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www.caminofcu.orgP.O. Box 849, Montebello, CA 90640800/835-3400 • fax 323/887-9909

FEESCHEDULE

January 1, 2016

THIS FEE SCHEDULE SUPERSEDES ALL FEE SCHEDULES PRIOR TO THE

EFFECTIVE DATE SHOWN ABOVE

Camino Federal Credit UnionP.O. Box 849, Montebello, CA 90640(800) 835-3400 / (323) 517- 9413 Fax

www.caminofcu.org© 2015 Camino Federal Credit Union. All rights reserved

PO Box 849(800) 835-3400 • Fax (323) 517-9413

www.caminofcu.org

Rev. 09-15-15/13M

Special Services

Levies, Garnishments or Other Legal Process $25.00 each

Bad Address $2.00 per mailing

Subpoena of Records $16.00 hr. & $0.20 copy

Verification of Deposit $10.00 each

Statement Copy $2.00 per page

Account Research $20.00 per hour

Overnight Delivery FedEx fees only

Notary Public $10.00 per signature

Address Locator Fee $2.00

ATM & ACH Overdraft $2.00

Check Cashing Fee (no charge with loan, checking account or $500 savings balance) $5.00

Share Branching and non-members Coin Counting Fee 5% per dollar counted

Coin Ordering Fee $0.25 per roll

Membership Savings Account

New Membership Fee $10.00

Early Closure Fee (less than 90 days) $10.00

Escheat Notice Fee $2.00 per year

Withdrawal of Payroll Deductions (Prior to posting) $5.00 per transaction

Minimum Balance Fee(Main Share balance is below $15.00)

$1.00 per month

Paper Statement (per statement cycle) $2.00

eStatements Free

Inactive Account Fee (No activity for 12 months or longer) $5.00 per month

Checking Account Services

Account Reconcilement $20.00 per hour

Service Charge $3.00 monthly

Service Charge (with CFCU Direct Deposit) None

Paper Statement (per statement cycle) $2.00

eStatements Free

Overdraft Protection Transfer Fee $6.00

Account Protection Fee (previously Courtesy Pay) $30.00

Non-Sufficient Funds (NSF) Check $30.00

Stop Payment in Branch or by Phone (Per check or sequence of checks) $15.00

Stop Payment Online(Per check or sequence of checks) $5.00

Remove Stop Payment $5.00

Check Photocopy (Free on Online Banking) $2.00

Temporary Checks $7.50 for 15

Emergency/Rush Check Orders Mail Carrier fees only

Excessive Money Market Use $5.00 per transaction

Below Minimum Balance (Money Market Accounts) $10.00 per month

Electronic ServicesNon-Sufficient Funds (NSF) on ACH Transactions

$30.00

Wire Transfers (Outgoing) $25.00 Domestic$40.00 International

ACH Stop Payment $15.00

Remove ACH Stop Payment $15.00

ATM Transaction Fee at Non CO-OP ATM $2.00

ATM Transaction Fee (without direct deposit) at CO-OP ATM (first 5 free per month) $2.00

Additional Cards $5.00

Rush Order Card Mail Carrier fees only

Card Replacement $5.00

ATM Corrections on Deposit $10.00

Empty Envelope Deposit $25.00

Bill Pay Rush Fee $8.95

Consumer Loan Services

Loan Extension Fee $40.00

Late Loan Payments $25.00

DMV Documentation $25.00

Demand Fee for Real Estate Payoff $75.00

Non-Sufficient Funds (NSF) Check on Loan Payment Check $30.00

Resubmit Items $10.00

Other Services

Credit Union Check One at no charge per day

Money Order (up to $1,000) $1.00

Stop Payment on Credit Union Issued Check $10.00

Deposited Item Returned $20.00

Foreign item sent for collection:Under $200 Over $200

$10.00 minimum$25.00 minimum

Cashiers Check $5.00

Resubmit Items $10.00

Camino VISA Gift Cards $2.95

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